Who is Valley Empire Collection?
Valley Empire Collection (VEC) is a debt collection agency based in Spokane Valley, Washington. Their main focus is recovering unpaid debts on behalf of original creditors.
If you have an unpaid bill, your debt may be transferred or sold to this debt collection company, which could lead to them appearing on your credit report as a collections account.
Who does Valley Empire Collection collect for?
Valley Empire Collection provides debt recovery services for a diverse range of clients. Their client base includes banks, government agencies, legal firms handling judgments, medical and dental practices, businesses with open contracts, and utility companies. They work to recover outstanding balances on behalf of these entities.
Is Valley Empire Collection legit or a scam?
Valley Empire Collection is a legitimate debt collection agency authorized to recover debts for its clients. If they contact you regarding a debt, it’s essential to confirm the validity of the claim by requesting written verification before making any payments.
How can I remove Valley Empire Collections from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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Valley Empire Collection Contact Information
Address:
Valley Empire Collection
8817 E Mission Ave. Suite 101
Spokane Valley, WA 99212
Phone number: (800) 669-8139
Should I contact or pay Valley Empire Collection?
Before contacting a collection agency, verify that the collection account is legitimate and accurately reported to the three major credit bureaus. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with Valley Empire collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Valley Empire Collection on behalf of their clients.
Will Valley Empire Collection sue me or garnish my wages?
Valley Empire Collections, like any debt collection agency, has the legal right to sue you for unpaid debts. If they win a judgment against you in court, depending on the laws in your specific jurisdiction, they might be able to garnish your wages, levy your bank account, or employ other legal methods to recover the debt.
However, not all debts are eligible for these actions, and not all collection agencies will choose to sue. The process of going to court can be expensive and time-consuming, so it is often a last resort.
Valley Empire Collection Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Valley Empire Collection
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Valley Empire Collection to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- Valley Empire Collections cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- The debt collector must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- The debt collector cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Valley Empire Collection From Your Credit Report Today!
Credit Saint offers assistance with disputing Valley Empire Collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
